---
title: "Loan Default Analysis"
author: "Herve Zumbach, Valentin Frezza"
output: 
  flexdashboard::flex_dashboard:
    orientation: columns
    social: menu
    source_code: embed
---

```{r setup, include=FALSE}
library(flexdashboard)
library(highcharter)
library(dplyr)
library(viridisLite)
# library(forecast)
library(treemap)
library(arules)
library(datasets)

thm <- 
  hc_theme(
    colors = c("#1a6ecc", "#434348", "#90ed7d"),
    chart = list(
      backgroundColor = "transparent",
      style = list(fontFamily = "Source Sans Pro")
    ),
    xAxis = list(
      gridLineWidth = 1
    )
  )

data_loan <- read.csv("../data/data_loan.csv")

```

Column {.tabset data-width=650}
-----------------------------------------------------------------------

### Default Probability by States 

```{r, fig.keep='none'}
data("usgeojson")
data_states <- read.csv("../data/data_states.csv")

n <- 4
colstops <- data.frame(
  q = 0:n/n,
  c = substring(viridis(n + 1), 0, 7)) %>%
  list_parse2()

highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "Default",
                    value = "default_probability", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```
### Mean Income by State 
```{r, fig.keep='none'}
highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "Income",
                    value = "mean_income", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```

### Mean Interest Rate by State 
```{r, fig.keep='none'}
highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "InterestRate",
                    value = "mean_int_rate", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```

### Mean Loan by State 
```{r, fig.keep='none'}
highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "Loan",
                    value = "mean_loan", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```
### Mean Loan per Income by State 
```{r, fig.keep='none'}
highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "PerIncome",
                    value = "mean_loan_per_inc", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```

### Number of Observations by State 
```{r}
highchart() %>%
  hc_add_series_map(usgeojson, data_states, name = "N",
                    value = "n_data", joinBy = c("postalcode", "us_state"),
                    dataLabels = list(enabled = TRUE,
                                      format = '{point.properties.postalcode}')) %>%
  hc_colorAxis(stops = colstops) %>%
  hc_legend(valueDecimals = 0, valueSuffix = "%") %>%
  hc_mapNavigation(enabled = TRUE) %>%
  hc_add_theme(thm)
```

Column {.tabset data-width=350}
-----------------------------------------------------------------------

### Number of Loan per Purpose 

```{r, fig.keep='none'}
data_purpose <- read.csv("../data/data_purpose.csv")

tm <- treemap(data_purpose, index = c("purpose"),
              vSize = "n_data", vColor = "n_data",
              type = "value", palette = rev(viridis(6)))

hctreemap(tm, allowDrillToNode = TRUE, layoutAlgorithm = "squarified") %>% 
  hc_add_theme(thm)
```
### Number of Default per Purpose  

```{r, fig.keep='none'}
data_purpose <- read.csv("../data/data_purpose.csv")

tm <- treemap(data_purpose, index = c("purpose"),
              vSize = "n_default", vColor = "n_default",
              type = "value", palette = rev(viridis(6)))

hctreemap(tm, allowDrillToNode = TRUE, layoutAlgorithm = "squarified") %>% 
  hc_add_theme(thm)
```

### Number of Loan per Grade

```{r, fig.keep='none'}
data_grade <- read.csv("../data/data_grade.csv")

tm <- treemap(data_grade, index = c("grade", "sub_grade"),
              vSize = "n_data", vColor = "n_data",
              type = "value", palette = rev(viridis(6)))

hctreemap(tm, allowDrillToNode = TRUE, layoutAlgorithm = "squarified") %>% 
  hc_add_theme(thm)
```

### Number of Default per Grade

```{r, fig.keep='none'}
tm <- treemap(data_grade, index = c("grade", "sub_grade"),
              vSize = "n_default", vColor = "n_default",
              type = "value", palette = rev(viridis(6)))

hctreemap(tm, allowDrillToNode = TRUE, layoutAlgorithm = "squarified") %>% 
  hc_add_theme(thm)
```